Visa Credit Card Archives

Online Banking

What are the benefits of a contactless card?

Contactless cards offer several benefits over traditional cards that require a physical swipe or insertion into a card reader. Some of these benefits include: Speed: Contactless cards can be scanned quickly and easily, resulting in faster and more...

What credit score do I need to qualify for a credit card?

Most credit card issuers look for a fair to excellent credit score, typically ranging from 580 to 850, depending on the card. Higher scores generally increase your chances of approval and offer better interest...

How long does it take to get approved?

Credit card approval can take anywhere from a few minutes (for online applications) to a couple of business days, depending on the complexity of your financial...

Are there any fees for applying for or using the card?

There are no application fees or balance transfer fees, but there are a few fees to be aware of: [table...

What happens if I miss a payment?

Missing a payment can lead to late fees, higher interest rates, and potential harm to your credit score. To avoid this, it’s essential to make at least the minimum payment by the due date each month. Keep in mind that any missed or delayed payments...

What is the credit limit, and can it be increased?

Your initial credit limit will depend on your credit score, income, and other financial factors. After regular use and responsible payment behavior, many issuers offer credit limit increases over...

Can I transfer balances from other credit cards?

Yes, you can! With People Driven Credit Union's Rewards Driven Credit Card, there are no balance transfer fees. You can reduce the interest you pay by transferring your high-interest credit card balances to a PDCU Rewards Driven Credit Card, all without...

How do I use a Contactless Card?

Using your People Driven Credit Union contactless debit card is quick, secure, and touch-free. Look for the contactless symbol (represented by a sideways Wi-Fi icon) at checkout. Then: Tap your card on the payment terminal where you see the...

How do I report a lost or stolen Visa credit card?

If your People Driven Credit Union Visa Rewards Driven Credit Card is lost or stolen, or if you suspect unauthorized use, notify us immediately. "Unauthorized use" refers to any use of the card by someone without your permission, where you receive no...

How do I make a payment on my People Driven Visa credit card?

There are several convenient ways to make a payment on your People Driven Visa Credit Card: Online: Log into online banking, select "Transfer," choose the account you're transferring from, and select your Visa card as the transfer destination. You...

Calculator Disclaimer Personal Loan Rate

The monthly payment at 8.490% APR for a term of 12 months would require payments of approximately $87.22/month, per $1,000 borrowed. APR=Annual Percentage Rate, subject to change. Rate is based on individual creditworthiness and term of the loan. The use of this calculator does not imply nor guarantee loan terms nor approval of financing.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. People Driven Credit Union does not guarantee their applicability or accuracy in regards to your individual circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Member-only Discount Rewards

Accidental Death & Dismemberment Insurance – PDCU provides $2,000 coverage to members 18-69 for free but op-in is required. Members receive discounts on additional supplemental coverage.